ZIP Code 63955 — Oxly CDP, MO Demographics & Data

ZIP code 63955 covers Oxly, MO in Ripley County with a population of about 58.

At a glance, the area shows median age of 65.9 versus a U.S. median of about 38.9.

It sits in telephone area code 573; U.S. House district MO-8; the PADUCAH - CAPE GIRAR D - HARSBG media market.

Oxly, MO fits a retirement-oriented profile (high share of residents 65+ (62.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 63955 is about $46,406 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.7%; unemployment rate near 0.0%; 10.3% of adults with a bachelor’s degree or higher (about 23.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Finance and insurance, and Manufacturing; a mean commute of about 21.0 minutes (U.S. average near 26.8).

Median home value is about $102,100 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 79.5% (about 14.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63955 in Oxly, MO, a household would need roughly $28,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $656. That sits below the local median household income ($46,406), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Oxly CDP, MO as Relatively Low (composite score 57.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (59.4) and wildfire (44.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Oxly CDP, MO show little to no average snow and around 51.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 63955 (Oxly CDP, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.